In the search for safe and profitable investments, many people wonder whether Tesouro Direto or CDB are the best options. This article helps you understand the differences between these two investments and decide where to invest your money with more safety and return.
What it is / How it works
Tesouro Direto is a federal government program that allows individuals to buy public bonds. These bonds are a way for the government to raise funds to finance projects. In return, the investor receives interest, which can be prefixed or tied to inflation.
CDB, or Certificado de Depósito Bancário (Bank Deposit Certificate), is an investment issued by banks to raise money. When investing in a CDB, the bank pays an interest rate to the investor, which can be fixed, post-fixed or hybrid. CDBs are very popular at institutions such as Bradesco and Banco Inter.
Advantages and benefits
Tesouro Direto is known for its high safety, since the risk of default by the government is low. In addition, it offers good liquidity, especially for bonds indexed to the Selic. Another advantage is the possibility of investing small amounts, starting from 30 reais.
CDBs can offer higher returns, especially at smaller banks and fintechs such as PagBank or Neon. They usually pay higher interest to attract investors. Another advantage is the guarantee of the Fundo Garantidor de Créditos (FGC, Credit Guarantee Fund), which protects investments up to 250 thousand reais per institution.
Precautions and points of attention
Despite the safety of Tesouro Direto, some bonds have higher volatility and may vary in the short term. Therefore, it is important to choose the bond that suits your profile and goal.
With CDBs, extra care should be taken regarding the soundness of the issuing bank. Investing in large banks such as Itaú or Santander is usually safer. On smaller banks, weigh the risk against the return. It is also important to understand the term and redemption of the CDB, since some offer daily liquidity and others only release the money at maturity.
How to apply / get started
To invest in Tesouro Direto, you need to open an account with a brokerage or investment bank such as Rico, XP or Guide. After that, register on the Tesouro Direto website, transfer the money and choose which bond to buy.
To invest in CDB, open an account with a bank or fintech that offers this product, such as Banco do Brasil, C6 Bank or Ame Digital. In the institution's app or website, select the desired CDB, enter the amount and confirm the investment.
Conclusion
Both Tesouro Direto and CDB are good alternatives for those seeking safety and profitability. Tesouro Direto is ideal for those who want maximum safety and liquidity. CDB may be more suitable for those seeking higher returns, as long as they pay attention to the issuing institution.
Understanding your goals, time horizons and risk profile is essential to choosing between Tesouro Direto and CDB. Weigh the benefits of each and make a conscious investment to achieve your financial goals.
